Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Which NFCU to app for?

I'm thinking of Flagship Visa Siggy. Anyone have some recommendations for me on which card to app for? My current profile: cap1 secure 1k, WF secure 1k, Amex zync, Amex delta 2k, Walmart discover 1.8k, Chase Amazon visa 2k and Freedom 1.5k.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Community Leader
Valued Contributor
Posts: 1,405
Registered: ‎07-12-2011
0

Re: Which NFCU to app for?


Duncanrr wrote:
I'm thinking of Flagship Visa Siggy. Anyone have some recommendations for me on which card to app for? My current profile: cap1 secure 1k, WF secure 1k, Amex zync, Amex delta 2k, Walmart discover 1.8k, Chase Amazon visa 2k and Freedom 1.5k.

Hey Duncarr!

I recommend either the Flagship or the Cashrewards.  If you travel- Flagship- .  They are both good cards with NFCU.  Best of Luck!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
0

Re: Which NFCU to app for?

To me the rewards do not seem all that great. I have been thinking about getting a NFCU card, but they don't seem worth it. The AF relative to the rewards on the flagship don't seem all that great. The US Bank cash+ or flexperks sig seem much better.

 

Does NFCU usually give out really high starting limits? Is that the perk for apping with their products?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Which NFCU to app for?

$49 AF for visa Siggy is really low. Ill have enough fun with concierge to justify that :smileywink:. But yes, they are ridiculously generous with initial CL.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Community Leader
Valued Contributor
Posts: 1,405
Registered: ‎07-12-2011
0

Re: Which NFCU to app for?


Duncanrr wrote:
$49 AF for visa Siggy is really low. Ill have enough fun with concierge to justify that :smileywink:. But yes, they are ridiculously generous with initial CL.

When are you going to app?  I'm curious to see what CL you get to start.  What kinds of limits do you have now and what kind of trade lines do you currently have?  Remember- the cashRewards card comes in the siggy flavor now too. :smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Which NFCU to app for?

[ Edited ]

 


Dustink wrote:

To me the rewards do not seem all that great. I have been thinking about getting a NFCU card, but they don't seem worth it. The AF relative to the rewards on the flagship don't seem all that great. The US Bank cash+ or flexperks sig seem much better.

 

Does NFCU usually give out really high starting limits? Is that the perk for apping with their products?




Did you really pay attention to the NFCU Flagship? it gives you 1 point per purchase, but each point = 2% back... with a $49 annual fee it's$10 cheaper than Capital One Venture card. with a MUCH higher interest rate on the Venture. 5-10% or more. Although Cash back is only at 1.5% but perfectly fine by me. So you use Flagship where you can not get 2% back on things. Like Sams club, or Costco, BJ's etc the most you'll get from those stores is 2% with a $110 annual fee at Costco.

 

So if you don't have US Bank Cash+ you can get 2% back for travel on billpay as well which everyone would only get you 1% It pretty much beats the Venture card down with a stick if you really look at it. The flagship rewards really should state 2 points or call themselves a 2% card like Venture card, but hey last thing they want is to attract too many reward hungry people. If you spend enough to justify the $49 annual fee about more than $200 a month you'll break even. After that it's all 2% bonus.

 

https://www.navyfederal.org/products-services/cards/creditcards/flagship.php

 

  • 15,000 points for $300 round-trip airline ticket
  • 30,000 points for $600 round-trip airline ticket

Edit: Thought Annual fee on Flagship was $59 but was $49 , Captial One Venture is $59.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Which NFCU to app for?

My CL are listed above with exception that zync is NPSL (internal limit at least 10k). My Walmart statement cuts on nov 2 so ill app as soon as that updates. Probably around nov 4/5. Ill post approval here.

Income is 6 figures and scores will all be over 660 with TU and EX around 700.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Community Leader
Valued Contributor
Posts: 1,405
Registered: ‎07-12-2011
0

Re: Which NFCU to app for?


Duncanrr wrote:
My CL are listed above with exception that zync is NPSL (internal limit at least 10k). My Walmart statement cuts on nov 2 so ill app as soon as that updates. Probably around nov 4/5. Ill post approval here.

Income is 6 figures and scores will all be over 660 with TU and EX around 700.

Duh!  Sorry.  Re-read after posting. Sorry.  :smileyhappy:.  I bet you get 15K+ with 6 figure income.  Please do let us know.  I can't wait to see what you get.  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Which NFCU to app for?

What?  Not going to drap for all of them?  


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Which NFCU to app for?

[ Edited ]

If you spend more than $7,000 - 8,000 a year.  $49-59 annual is not an issue, if not just go for the Cash Rewards


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}